What's the average car insurance rate in Columbus?
The average car insurance rate in Columbus, Georgia, is $1,607 per year. That's less expensive than the average across Georgia ($1,609) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Columbus.
COLUMBUS CAR INSURANCE RATES
|Columbus Average (annual)||Georgia Average||National Average|
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Columbus auto insurance rates by company
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Columbus, Georgia Farm Bureau offers the cheapest rates for the average insurance customer. See below the best options for affordable auto insurance in Columbus. Don't forget to get car insurance quotes based on your driving profile.
COLUMBUS CAR INSURANCE RATES BY COMPANY
|Insurer||Average Annual Rate|
|Georgia Farm Bureau||$1,049|
Columbus car insurance costs by age
The best age for car insurance rates as a driver in Columbus is your age_50s: drivers in this age group pay an average of $1,403per year. Rates for Columbus drivers in their age_60s are also relatively affordable, at just $1,446 per year.
Teenage drivers pay Columbus's most expensive insurance rates. When Columbus drivers hit their 20s, their insurance rates drop substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Columbus is $4,231. That's the biggest gap in premiums between any pair of age brackets.
CAR INSURANCE RATES BY AGE TIER IN COLUMBUS
|Age bracket||Average Yearly Rate|
Columbus car insurance rates by marital status and gender
In some cases, a driver's marital status and gender may affect their car insurance rates. In Columbus, married drivers pay $188 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Columbus, single drivers pay more than those who are widowed.
Gender is another factor that can influence auto insurance rates. In Columbus, female drivers pay more for auto insurance than do male drivers: $0 per year, to be precise.
COLUMBUS AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Yearly Rate|
Columbus auto insurance costs by citation and accident history
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Columbus drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $824 per year versus the city average. A ticket for speeding results in a $420 rate hike while a DWI or DUI violation costs $1,179per year in extra insurance expenditures.
COLUMBUS CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Incident/Violation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$2,244|
|At-fault Accident (damages greater than $2,000)||$2,492|
|Speeding Ticket (16-20 mph over speed limit)||$2,027|
Columbus car insurance premiums by credit tier
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Columbus drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 51% on their car insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Columbus, moving into the "Fair" credit tier corresponds to an average of $997 in savings on insurance each year.
COLUMBUS CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Score||Average Rate (annual)|